ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846
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Indebtedness among Farmers in Punjab

The main objective of this study is to assess the overall debt position of the farmers in Punjab and identify the factors affecting their indebtedness. The important policy recommendations that emerge are the need to improve the institutional agricultural credit system, to regularise and continuously monitor the functioning of non-institutional sources of finance, to reduce farmers' fixed costs in heavy machinery and equipment for which loans should also be based strictly on economic feasibility, to strengthen the dairy sector and create off-farm employment opportunities and to launch a mass campaign against intoxicants and extravagant expenditure on social festivities.

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